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A piece of mind in a complicated industry.

Targetted Solutions

Why Targett & Associates

We are committed to providing you with more than just a piece of paper, rather the support and customer service when you need it.

Founded in 2016, Targett & Associates is a leader in providing quality protection for hundreds of individuals, families, and businesses throughout our state. Providing superior customer service and low rates along with our ability to understand our customer’s coverage needs drives the success of our agency.

Targetted Results

Corporate Insurance

Small Business Insurance

Life Insurance

Umbrella Insurance

Disability Insurance

Liability Insurance

Long Term Insurance

Home Insurance

General Insurance

The Umbrella

When it comes to insurance, we've got you covered. Learn more about how our products can help you.

What is Umbrella Insurance?

The main purpose of your umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held responsible for damages or bodily injuries. If another party files a lawsuit against you, your umbrella coverage will pay for the damages you're legally responsible for up to the policy limit.

Is Umbrella Insurance Tax Deductible?

If you have a personal umbrella policy, your premiums are not typically tax deductible.

If you own a business and have an umbrella policy that supplements your other business liability policies, your premiums may be tax deductible.

Does Umbrella Insurance Cover Professional Liability?

A professional liability or business umbrella policy only provides liability supplements to existing business liability policies. A business umbrella policy differs from a personal umbrella policy because it focuses on specific liabilities businesses face, such as “errors and omissions,” meaning advice or consultation that results in a loss for the client.

Does Umbrella Insurance Cover Lawsuits?

Umbrella insurance can cover lawsuits and liability claims that do not result in legal action. Protecting assets against potential lawsuits is the main motivator for many people to purchase umbrella insurance. The main purpose of liability insurance is to protect you if you’re found liable for causing property damage or bodily injuries, and for your legal defense even if you are not found liable.

Does Umbrella Insurance Cover Property Damage?

Umbrella insurance will cover property damage in most but not all circumstances. We all know accidents happen, and you never know how extensive the property damage can be until you get an estimate. If you cause an accident involving several cars, everyone may walk away unscathed but the property damage to other cars can be enough to break the bank.

Should Landlords Have Umbrella Insurance?

If you have a substantial amount of personal net worth, you may want to invest in umbrella insurance to protect yourself. Make sure you find the right coverage by consulting with a member agent in the Trusted Choice network. Independent agents can customize your coverage for your unique needs.
  • Is Umbrella Insurance Tax Deductible?

    If you have a personal umbrella policy, your premiums are not typically tax deductible.

    If you own a business and have an umbrella policy that supplements your other business liability policies, your premiums may be tax deductible.

  • Does Umbrella Insurance Cover Professional Liability?

    A professional liability or business umbrella policy only provides liability supplements to existing business liability policies. A business umbrella policy differs from a personal umbrella policy because it focuses on specific liabilities businesses face, such as “errors and omissions,” meaning advice or consultation that results in a loss for the client.
  • Does Umbrella Insurance Cover Lawsuits?

    Umbrella insurance can cover lawsuits and liability claims that do not result in legal action. Protecting assets against potential lawsuits is the main motivator for many people to purchase umbrella insurance. The main purpose of liability insurance is to protect you if you’re found liable for causing property damage or bodily injuries, and for your legal defense even if you are not found liable.
  • Does Umbrella Insurance Cover Property Damage?

    Umbrella insurance will cover property damage in most but not all circumstances. We all know accidents happen, and you never know how extensive the property damage can be until you get an estimate. If you cause an accident involving several cars, everyone may walk away unscathed but the property damage to other cars can be enough to break the bank.
  • Should Landlords Have Umbrella Insurance?

    If you have a substantial amount of personal net worth, you may want to invest in umbrella insurance to protect yourself. Make sure you find the right coverage by consulting with a member agent in the Trusted Choice network. Independent agents can customize your coverage for your unique needs.

What Does Umbrella Insurance Cover?

An umbrella policy provides additional coverage or “excess liability” above the limits of your basic policies. It can protect you from bodily injury liability claims and property damage liability claims. Umbrella policies also provide a broader form of coverage and can help cover legal fees, false arrest, libel, and slander.

Because the personal umbrella policy goes into effect after the underlying coverage is exhausted, there are certain limits that usually must be met in order to purchase this coverage.

Why Is Umbrella Insurance Important?

Your car, house, investments and retirement accounts, as well as your normal checking and savings accounts and even future income, are all considered assets. It is important to know that if you are sued for a lot of money and do not have enough liability insurance or an umbrella policy to cover those costs, all of your assets are exposed. People typically choose to buy an umbrella policy because they want to prevent the possibility of financial ruin due to one misstep or unforeseen accident. Umbrella insurance can provide the protection to prevent such an outcome.

Get Started Today!

Take a look below at some of the insurance services we provide. 

Solutions for Businesses.

Whether you’re, ready to purchase a policy, commercial insurance or need help reviewing your current coverage, we’re here for you.

Solutions for Home Owners.

Home is where the heart is. Your house is one of your most important investments, so be sure to protect it by contacting us!

Umbrella Solutions

Umbrella insurance is extra liability insurance. Targett & Associates help protect you from major claims and lawsuits and as a result it helps protect your assets and your future.

Solutions for Life.

There's a lot to learn when you're getting started with life insurance! Targett & Associates want to make sure you understand the basics and feel confident that you're making informed choices.

Need more information?

We hope you will benefit from our website and can take advantage of our experience in serving you for all your insurance needs. We encourage you to contact us with any questions or concerns.